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How much is car insurance in Evans?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Evans as it does in the rest of Georgia.
On the flip side, Evans residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $23 more expensive than the national average to insure your vehicle in Evans.
These may be the average auto insurance rates for Evans, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down average rates for Evans residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Evans drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Evans actually goes against the grain. While female drivers pay $111 per month to insure their vehicle, males only pay about $96.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Evans, a driving record with a single accident will usually get you a rate around $134 a month. In addition, drivers with one ticket can expect to pay around $99 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$106|
|15 Years or Older||$94|
In Evans, the cheapest vehicles to insure are usually SUVs, with drivers paying around $92 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $106 a month, while truck and van drivers can expect to pay about $113 per month for insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Evans, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
Generally, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Evans, with married couples paying about $50 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Evans, expect to pay around $37 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Evans, GA
Recent trends in car insurance for Evans drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Evans, the rates for car insurance decreased from 2017-2018, before rising from 2019-2021. They finished down in 2022 at $69.
How does Evans compare to neighboring areas?
Why are car insurance rates in Evans different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Regional crime rates
- Total drivers
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Community regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Evans?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Evans.
Evans Insurance FAQs
What factors affect car insurance quotes in Evans?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Evans different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Evans?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Evans?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Evans or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.